Idaho · ID
Idaho health insurance 2027: prices, plans and where to apply
In Idaho, the 2027 benchmark silver plan for a 40-year-old averages $553 a month before tax credits, up 13% from 2026 (KFF). Open Enrollment runs Oct 15, 2026 to Dec 15, 2026. Below is how buying coverage works in Idaho and where to apply, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Reviewed by Jordan SarmientoUpdated
Quick facts
- Marketplace
- Your Health Idaho
- 2027 open enrollment
- Oct 15 to Dec 15
- Medicaid expansion
- Adopted
- Insurance department
- Idaho Department of Insurance
Facts checked 2026-09-17.
Idaho in 2027 at a glance
- Benchmark silver, age 40
- $553/mo
- 2027, before credits. Up 13% from 2026.
- Enrolled for 2026
- 120,426
- 76.5% got a premium tax credit.
- Open Enrollment
- Oct 15 to Dec 15
- Through Your Health Idaho.
Sources: KFF and CMS (2027 plan data), linked in the sections below.
Idaho health insurance facts
- Marketplace
- Idaho runs its own state-based marketplace, Your Health Idaho.Source
- 2027 open enrollment
- Open Enrollment for 2027 coverage runs Oct 15, 2026 to Dec 15, 2026 through Your Health Idaho.Source All states' 2027 dates.
- Medicaid expansion
- Idaho adopted Medicaid expansion by ballot measure approved in November 2018; coverage began January 1, 2020.Source
- State insurance department
- Idaho Department of Insurance. File complaints and check agent licenses here.Source
Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.
Average cost of health insurance in Idaho for 2027
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $553 a month for a 40-year-old in Idaho for 2027, before any credit. That is up 13% from $490 in 2026.Source
2027 benchmark silver price by age in Idaho
| Age | Per month, before credits |
|---|---|
| 21 | $433 |
| 30 | $491 |
| 40 | $553 |
| 50 | $773 |
| 60 | $1,174 |
| 64 | $1,298 |
Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.
The 2026 Marketplace in Idaho, in numbers
For 2026, 120,426 Idaho residents picked a Marketplace plan during Open Enrollment, and 76.5% of them received an advance premium tax credit. The average premium was $509 a month per person before the credit and $202 after it, counting everyone who picked a plan. 12.5% paid $10 a month or less after the credit.Source State premium help paid by Idaho’s own exchange is not included in these figures.
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $490 a month for a 40-year-old in Idaho in 2026, before any credit.Source
Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.
What our clients paid, by state and kind of plan, is in health insurance cost by state.
Health insurance companies in Idaho for 2027
Idaho runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on Your Health Idaho. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.
Cheap health insurance in Idaho: where the low prices are
Tax credits change the price most. For 2026, 76.5% of Idaho Marketplace enrollees got a premium tax credit, and 12.5% paid $10 a month or less after it.Source
Idaho expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.
Free, impartial help in Idaho
If you have Medicare or will soon: Idaho’s State Health Insurance Assistance Program (SHIP) is Senior Health Insurance Benefits Advisors (SHIBA), 1-800-247-4422.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source
America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.
Who we usually help in Idaho
New to private coverage? Start with private health insurance in the USA.
- Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- People who are out of work
- Families who want catastrophic-first coverage
We work with families across Idaho, including Boise, Meridian, Nampa and Idaho Falls, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.
What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.
Idaho health insurance FAQs
When is open enrollment in Idaho for 2027 coverage?
Open Enrollment for 2027 coverage in Idaho runs Oct 15, 2026 to Dec 15, 2026 through Your Health Idaho.
How much does health insurance cost in Idaho?
For 2027, the benchmark silver plan for a 40-year-old in Idaho averages $553 a month before tax credits, up 13% from $490 in 2026 (KFF). In 2026, Idaho Marketplace enrollees paid $202 a month on average after tax credits ($509 before) (CMS). Your own price depends on your age, county, household income and plan.
What is the average cost of health insurance in Idaho by age?
For 2027, the benchmark silver plan in Idaho averages about $491 a month at age 30, $553 at 40, $773 at 50 and $1,174 at 60, before tax credits (KFF benchmark for age 40, other ages on the CMS default age curve). Most Marketplace buyers pay less after a premium tax credit.
Does Idaho use HealthCare.gov or its own marketplace?
Idaho runs a state-based marketplace called Your Health Idaho. Marketplace plans and any premium tax credit in Idaho go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in Idaho?
Look the agent up through the NIPR license lookup, or contact the Idaho Department of Insurance. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
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Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.